Why did I app for that?!?!?

[Aduke1122]

Omg these replies are great ..of course almost all of us who play this credit game have these moments . I have a Comenity card that I will absolutely never use and I'm like why the heck did I do that 😁

[Anonymous]

These replies are great!!! My mother is from the old school of "why do I need credit if I can just save and buy it?". Well, my father passed unexpectedly and left her with a bunch of debt even with life insurance. She has risen from the ashes and was really proud of herself as she has a Capital one (secured) and Chase Freedom card. She just had a momentary lapse in judgement and now a hard pull for nothing. But, thanks to the marriage license comment, and the sunglasses hut card... the sun still rose this morning and she feels a bit better. Thanks all!

[precision]

At the beginning of January I apped for AMZ Sync.  I apped because I had just lost the 5% quarterly on my Discover and still wanted 5% at AMZ.

5 days later AMZ Chase changed from 3% to 5% for Prime members.

I was approved for both but I really wish I could take back the Sync app and Inq.

[minski]

Best Buy. 

Cashier said it was SP. She had no clue. It was HP. 

I was expecting the Visa/MC. I ended up with the Store Card. 

I closed it a year later. 

Paypal by Comenity. Hidden tradeline!

I have no use for it since I rarely shop at the places that accept Paypal, and I quickly wondered why I'd applied for it... I'm letting Comenity close it from disuse whenever they get to it. 

Barclay Ring. I wanted a low APR (under 10%) and no FTF card, and I got it. But I like rewards better so I rarely use it. I like the idea of the card. I just don't need it since I PIF and have recently gotten a PenFed and NavyFed card which also have no FTF. It's going in the SD and I'll likely let Barclay close it from disuse. 

[Anonymous]

No judgement here 😂

Great replies! 

[Anonymous]

And a marriage license? Lol! I'm cracking up!

[MyLoFICO]

I have cards I got approved for that I did the same thing with, but they are atleast affecting my credit positively. I also have 2 marriage licenses, and 2 divorced decrees. The moral of the story? I must like making mistakes. I am an idiot. Not sure where I was going with that but I guess I got there in the end.

[MrsCHX]

I got a SCT pop up on Overstock looking for a rug. I hated that I didn't know the starting limit before going through. Should've closed out. Some reason I thought Comenity pulled TU and it was 697 so I was confident. 

But I don't even shop OS. I've never bought anything there. I always look and then end up finding similar cheaper somewhere else. 

They gave me a $250 starting limit. Asked for CLI on set-up...denied.  Every time I review my report I am angry at that trade line 

And Kohl's. I don't even like Kohl's. I hope to get my 6-month CLI to $700 (or whatever) and plan to close it soon after.

[woodyman100]

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@AverageJoesCredit wrote:
Sunglass Hut , Synchrony Bank , 30% APR cant even use on their OWN website!!..

Mic dropped...HUGS to Mom

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Hahahaha! Mic drop! Priceless!

[Anonymous]

I applied for 1 store card that I didn't end up using. Stupid! Wasn't thinking I guess. Did that a few months ago...I'll probably even close it soon. For now it's giving me a utilization boost I guess. I stay away from store cards too. Some interesting responses here.